What do you mean by reimbursement for class B?

Class B drugs can be used in clinic with good curative effect, and the price of similar drugs is higher than that of class A drugs.

The expenses for reimbursement of Class B drugs in outpatient department need to be paid by users themselves, which means that the reimbursement ratio is generally between 70% and 80%. The specific reimbursement ratio varies according to local policies and specific drugs. Please consult the local human resources and social security bureau for details.

Medical insurance reimbursement method:

1. Try to see a doctor in primary medical institutions: whether it is employee medical insurance or urban and rural residents' medical insurance, the reimbursement rate of primary medical institutions is the highest, and such hospitals can be the first choice for daily ailments;

2. Explain personal insurance to the doctor: When in hospital, tell the individual attending physician what insurance to pay personally, and the doctor can prescribe more drugs in the medical insurance catalogue for the user according to the user's insurance;

3. Choose a designated hospital: This is very important, because only designated hospitals can directly reimburse users, and the reimbursement ratio is relatively high;

4. Don't transfer to other hospitals without permission: If some diseases need to be treated in hospitals or outpatient clinics designated by other provinces, you must go through the transfer procedures first, otherwise the self-care ratio of transfer will increase10%;

5. Continue to pay for medical insurance: If you resume insurance after medical insurance is interrupted, the proportion of reimbursement will be much lower and the proportion of continuous payment for medical insurance reimbursement will be much higher;

6. Prepare the room before seeing a doctor: it can be directly reimbursed after filing, but the objective reimbursement ratio is high. If you don't put it on record, you need to submit it manually, which is not only low in proportion, but also may not be reimbursed.

Medical insurance reimbursement process:

1. Confirm reimbursement scope: During the treatment, you need to confirm whether your treatment items are within the scope of medical insurance reimbursement;

2. Collect reimbursement materials: collect relevant treatment records, drug receipts, medical expense lists and other relevant materials;

3. Go to the social security department for reimbursement: submit relevant materials for medical insurance reimbursement to the local social security department;

4. Pending review: The social security department will conduct relevant review and comparison to confirm the reimbursement ratio and reimbursement amount; Receive reimbursement: After approval, you can receive medical insurance reimbursement at the designated bank.

To sum up, medical insurance class B drugs refer to class B drugs, that is, drugs that the basic medical insurance fund can pay part of the expenses. If the insured needs to use Class B medical insurance drugs, the expenses incurred must be paid by the insured first, and then included in the scope of payment of the basic medical insurance fund, and paid by himself according to the provisions of the basic medical insurance. To put it simply, class B drugs in medical insurance require the insured to pay part of the expenses, and then the medical insurance will reimburse part of them. The specific reimbursement ratio will vary according to local policies and specific drugs.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.